Bank of Crocker
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Data as of · sourced from FFIEC call reports. How we update
Bank of Crocker is an FDIC-insured commercial bank headquartered in Waynesville, MO, established in 1911 (FDIC certificate 1937), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $143.3M, up 1.0% from Q2 2025, the 149th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 32.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1937
- Headquarters
- Waynesville, MO
- Established
- 1911
- Total assets, Q2 2026
- $143.3M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 32.79%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081512928
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Crocker call report
- Asset rank in state
- 149th of 191 in Missouri
Bank of Crocker carries far more capital than most banks of its size. Its balance sheet stood at $143 million at June 30, 2026; it is based in Waynesville, Missouri. It holds common equity equal to 32.79% of its risk-weighted assets, about double the median of 15.12% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 10.6% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $313,000, 38% above the same quarter a year earlier. Over the same year, loans shrank 10.6% and deposits shrank 0.5%. Its margin is thin by comparison: it keeps 3.27 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Bank of Crocker reported a CET1 capital ratio of 32.79%, a return on assets of 0.86%, a nonperforming-loan ratio of 2.75% and a Texas ratio of 7.13%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Crocker is the 149th largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.0% to $143.3M, loans fell 11.3% and deposits fell 3.8%. 1-4 family residential loans made up 33.3% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 23.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Waynesville office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Crocker meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 200 Ichord Ave, Waynesville, MO 65583
- County
- Pulaski
- Metro Area
- Fort Leonard Wood, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- July 5, 1911
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $126.8M
- Allowance for credit losses
- $730K
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $145.6M
- Average total loans
- $45.9M
- Average interest-bearing deposits
- $97.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1937
- Fed RSSD
- 765354
- Website
- www.bankofcrocker.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Bank of Crocker's total assets moved between a low of $139.5M (Q2 2024) and a high of $147.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$143.3M total assets against $141.9M; $127.4M total liabilities against $127.9M.
$42.6M net loans and leases against $47.7M; $126.8M total deposits against $127.4M.
$55.7M securities against $65.5M; $42.7M cash and balances due against $26.1M.
$1.5M total interest income against $1.6M; $385K total interest expense against $454K.
$1.1M net interest income against $1.1M.
$87K total noninterest income against $82K; $920K total noninterest expense against $956K.
$0 provision for credit losses against $15K.
$313K net income against $227K.
0.86% return on assets against 0.62%; 3.27% net interest margin against 3.22%.
32.79% CET1 capital ratio against 28.85%; 12.81% tier 1 leverage ratio against 12.13%.
Inside the full Bank of Crocker terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Crocker rankings
Its closest position to the top of a national ranking is 54 of 2,134, for CET1 ratio; its furthest is 2,968 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.39% (Q4 2024) to 0.87% (Q3 2025) and its net interest margin ran from 3.00% (Q1 2025) to 3.39% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 32.79% | 0.86% | 2.75% | 7.13% | 3.27% |
| Q1 2026 | 29.35% | 0.74% | 2.58% | 7.77% | 3.20% |
| Q4 2025 | 29.55% | 0.53% | 2.77% | 8.31% | 3.34% |
| Q3 2025 | 29.16% | 0.87% | 2.55% | 7.88% | 3.39% |
| Q2 2025 | 28.85% | 0.62% | 2.65% | 8.71% | 3.22% |
| Q1 2025 | 29.44% | 0.48% | 2.83% | 9.55% | 3.00% |
| Q4 2024 | 29.72% | 0.39% | 2.49% | 8.63% | 3.12% |
| Q3 2024 | 30.16% | 0.79% | 1.63% | 5.20% | 3.12% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Crocker (main office) | Waynesville , MO | 65583 | $54.7M |
| Crocker Branch | Crocker , MO | 65452 | $38.2M |
| Richland Branch | Richland , MO | 65556 | $27.2M |
| St. Robert Branch | Saint Robert , MO | 65584 | $6.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 177 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $100K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Crocker
What are Bank of Crocker's total assets?
As of the Q2 2026 filing, Bank of Crocker reported total assets of $143.3 million in its FFIEC call report.
Where is Bank of Crocker headquartered?
It is headquartered in Waynesville, MO, United States.
When was Bank of Crocker founded?
It was established in 1911, per the FDIC institution directory.
Is Bank of Crocker FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1937). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Crocker?
Bank of Crocker's primary federal regulator is the FDIC.
What is Bank of Crocker's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 32.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Crocker operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Crocker's Texas Ratio?
Its Texas Ratio is 7.13% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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